First State Bank of Ben Wheeler, Texas
Ben Wheeler, TX · Cert 11904 · Peer group: banks under $1B in assets in TX (n=208-211)
State charter, non-member · FDIC · 4 branches
Q2 2026
$185.1MAssets
$67.1MLoans
$156.1MDeposits
$28.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 87% of banks under $1B in assets in TX (rank 28 of 211).
- Widest gap: net interest margin trails 81% of banks under $1B in assets in TX (rank 171 of 211).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.19%
Rank 109 of 211
Net Interest Margin
3.11%
Rank 171 of 211
Efficiency Ratio
58.77%
Rank 79 of 211
Equity / Assets
15.58%
Rank 28 of 211
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 63% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.87% | 1.20% | 1.65% | Beats 48% | 109 / 211 | |
| Return on Equity | 7.61% | 7.52% | 11.67% | 14.58% | Beats 26% | 156 / 211 | |
| Net Interest Margin | 3.11% | 3.28% | 3.82% | 4.31% | Beats 19% | 171 / 211 | |
| Efficiency Ratio | 58.77% | 53.01% | 64.18% | 73.65% | Beats 63% | 79 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.01% | 0.30% | 1.10% | Beats 64% | 75 / 208 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 57% | 91 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 15.66% | 11.72% | 14.45% | 19.57% | Beats 58% | 88 / 211 | |
| Total Risk-Based Capital Ratio | 15.66% | 11.94% | 14.78% | 20.30% | Beats 55% | 96 / 211 | |
| Equity / Assets | 15.58% | 9.41% | 11.06% | 12.94% | Beats 87% | 28 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 42.97% | 45.39% | 66.56% | 82.03% | 23rd pctl | 161 / 208 | |
| Loans / Assets | 36.24% | 39.13% | 56.90% | 70.46% | 20th pctl | 169 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |